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Speed as a strategic advantage
Win the deal before your competitors even open the file by issuing approvals in seconds, not days.
Scale without expanding your back office
Onyx gives you the ability to grow your book without adding a single seat to your underwriting or collections teams.
Total lifecycle synchronization
Eliminate "data drift" by ensuring that your underwriting logic, investor payouts, and recovery triggers are always in perfect sync.
Full operational visibility and control
From intake to collections, Onyx is a single source of truth that consolidates every operational signal into real-time intelligence.
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Intake and underwriting
Stop managing files and start building your credit engine. Using Scorecard Modeling, you can hard-code your underwriting box to auto-approve or decline deals instantly, generate funding agreements, and collect merchant signatures directly inside the platform before a deal moves to funding.
Deal and portfolio visibility
Real-time visibility across your book.
Consolidate every step of your deals into a unified system. Monitor portfolio health with personalized dashboards that surface risks before they compound.
Capital partner management
Scale capital without admin overhead.
Stop using manual controls for your syndication management. Track investor allocations and payouts in a Unified Ledger that updates with every payment.
Automated collections and payment tracking
Loan Servicing and Collections that runs itself.
Manage the entire lifecycle of your capital from a centralized ACH command center. Have instant triggers for recovery workflows the moment a debit fails.
Automated state disclosures
Generate compliant documentation for New York, California, Utah, and beyond—updated automatically as laws change.
Proprietary
architecture
Unlike patched-up CRMs, Onyx IQ is a native, high-performance environment built for the speed of modern lending.
Dual-state
redundancy
Hosted on AWS across two states to ensure your engine never goes down, regardless of local disruptions.
“We highly recommend it to any company looking to streamline their workflow, track payments and syndications, automate underwriting with every type of integration needed, and achieve better results.”
“The ONYX platform has taken my business to the next level of growth. The workflow of this software makes our process seamless. I would recommend ONYX to anyone.”
“I've been using Onyx for the past 7 months and the only thing I would say is SIMPLE!!! I love how easy it is to use and how user friendly it is. They are continuing to evolve with automations but funding functionalities are on point!”
“Onyx IQ gave us the structure and compliance framework we needed from day one, removing operational friction and elevating the professionalism of the business as we grew.”
“Onyx IQ helped us streamline credit, ACH, and contract workflows into one system and made underwriting faster and more focused using the Scorecard.”
“We’re handling more volume with the same team, funding more deals, and cutting underwriting time by roughly 30%. Everything now runs in one system instead of spreadsheets, and deals move without stalling.”
“Onyx IQ is reliable, easy to use, and backed by the most responsive support team we’ve worked with. When issues arise, they’re handled quickly.”